Capital One Spark 1.5% Cash Select for Good Credit® Review
Capital One Spark 1.5% Cash Select for Good Credit®: Interest rates, credit limits, cashback, and bonuses. Learn about the conditions for obtaining the card, registration and options for receiving it online or at a branch. Discover its features.
Update 11.07.2024
Capital One Spark 1.5% Cash Select for Good Credit® Review

Terms & Requirements

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

aggregation.score.from 650

The Capital One Spark 1.5% Cash Select for Good Credit® Credit Card is designed for business owners with good credit, offering unlimited 1.5% cash back on every purchase without any limits or category restrictions. Additionally, cardholders can earn 5% cash back on hotel and rental car bookings made through Capital One Travel. The card features a $0 annual fee and provides a 0% introductory APR for the first 12 months on purchases, followed by a variable APR ranging from 21.24% to 29.24%, based on creditworthiness.

Features

  • Unlimited 1.5% Cash Back. Earn unlimited 1.5% cash back on every purchase, everywhere, with no category restrictions.

  • 5% Cash Back on Travel. Earn 5% cash back on hotels and rental cars booked through Capital One Travel.

  • 0% Introductory APR. Offers a 0% introductory APR on purchases for the first 12 months; after that, a variable APR of 21.24% to 29.24% based on creditworthiness applies.

  • Minimum Payment Terms. The minimum payment is the greater of $15 or 1% of the balance plus new interest, late payment fees, and any past due amount.

Pros and Cons

Pros

Cons

How to Apply for a Capital One Spark 1.5% Cash Select for Good Credit® Credit Card

Online

Mobile App

Branch Application

Infographic

Capital One Spark 1.5% Cash Select for Good Credit®

Eligibility Requirements

Reasons You May Be Denied a Card

How to Pay Off Credit Card Debt

Editorial Opinion

The Capital One Spark 1.5% Cash Select for Good Credit® Credit Card is a practical option for businesses looking to earn consistent rewards on all purchases without worrying about annual fees. The added benefit of higher cash back rates for travel bookings can be particularly appealing for businesses with frequent travel needs. However, it's important to consider the potential high variable APR after the introductory period and ensure timely payments to avoid penalty fees and interest charges.

Additional Resources

Sources

Other Loans

Travel Credit Cards
13.12.2022
-
Update 11.07.2024